摘要
决定财产保险需求的因素分为宏观性间接因素和结构性直接因素两大部分。选择具有代表性的三个宏观性变量和三个结构性变量,利用2005-2009年我国的省级面板数据,使用逐步回归方法,研究整体财产保险需求和企财险、工程险、车险、信用险等四个要主子险种需求的决定因素。实证结果较好地解释了我国财产保险需求的内因。应逐步建立商业保险补偿为主,社会救济为辅的新型社会风险管理体系。
This study divides the determinative factors of property insurance demand into macro-indirect factors and structural-direct factors. A representative selection of the three macroeconomic variables and three structural variables, using 2005-2009 years Chinese provincial panel data, using stepwise regression method, studies the whole property insurance demand and unemployment insurance, engineering insurance, auto insurance, credit insurance and other four to master insurance determinants of demand. Empirical results successfully explain the determinants of the demand for China＇s property insurance. Finally, the authors propose several corresponding policy recommendations.
出处
《经济与管理》
CSSCI
2012年第9期38-42,共5页
Economy and Management
关键词
财产保险需求
宏观性因素
结构性因素
面板数据逐步回归
Property insurance demand
Macro-indirect factors
Structural direct factors
Panel data stepwise-regression
